@Anonymous wrote:
Thanks for thr reply, The date of first dofd was Feb 2008,. Regarding my credit I went through a very tough time two years ago. I should of filed BK but I have a lot of pride. Instead I settled alot of CC accounts, and have a few collections although I had one PFD work yesterday. I am starting to rebound.
Congratulations on getting a PFD to work!
I would keep working on PFDs if you can. It sometimes takes a lot of repetition, and it often takes the fact that it can eventually land on a different person's desk.
Don't let them tell you that the HAVE to legally report the debt. They don't. The law simply says that what they report has to be accurate...not that they HAVE to report at all.
I asked about age of the account because I wondered if it would be past the statute of limitations. It's pretty new. Be aware that when you contact a collection agency about PFD, it can sometimes prompt action from them because they can sense you have some dollars, and they want to be paid. It's always worth a try, but be prepared if they decide to sue or ramp up their collection activity.
